Beauty Insurance

Celebrate your new beauty therapist policy with a £50 Salon Services gift voucher.Find out more here.

Insurance for beauty therapists and beauticians

From immaculately painted nails to symmetrically plucked eyebrows – we know how important it is to keep your clients looking great. But at Direct Line for Business, we also understand the importance of beauty insurance.

Now you can create your own personalised beauty insurance policy and get the cover that you need. Get a quote online using our unique new tool to start designing your own insurance policy now.

Whether you work at a salon, in your home, or on the go, with our Beauty Therapist Insurance you can choose the policy features that you need and build an insurance policy that’s just right for your business. You can even change the cover elements of your policy whenever you need to, without having to pay any admin fees. So you only pay for the insurance that you need for your business.

Get a £50 Salon Services gift voucher when you take out any Hair and Beauty Insurance Policy

We’ve partnered with Salon Services to give you a £50 gift voucher when you take out any Direct Line for Business Hair and Beauty Insurance policy.

Our standard cover

During your working day, your client could have an accident at your salon or home, or you could unintentionally damage their property. If a client slipped on a wet floor in a salon, or you spilt lotion damaging their carpet, it could be a costly expense for your business. You could even be held accountable for any harm caused by products that you sell or provide to your customers.

Our Public and Products Liability Insurance covers these types of legal claims. Our insurance will cover your legal costs and any compensation (up to your chosen limit), and the claimants’ legal costs if you’re at fault.

If you insure your business premises where you work (your salon), as standard we’ll give you equipment breakdown cover, which pays to repair or replace your boiler if it breaks down (excludes wear and tear). It also covers other built-in machinery like burglar alarms and air-conditioning systems.

If you insure the business equipment that you use at your premises, such as washer/dryers and hair processors, as standard we’ll give you equipment breakdown cover. It pays to repair or replace your equipment if it breaks down (excludes wear and tear).

There are a few exceptions but if you have employees then by law you need to have Employers' Liability Insurance. It covers your legal costs if they suffer illness or injury in the course of their work for you. Click here to read a guide which provides details of who is an employee and which organisations are exempt for further details.

Call centres open Saturday and Sunday

Busy making your clients look great Monday through to Saturday? Our call centres are also open weekday evenings until 8pm, 9am - 5pm on Saturdays, and on Sunday from 10am - 4pm.

0% finance in the first year

Plus, if you’d like to spread the cost of your policy in your first year with us you can pay monthly for your beauty insurance for no extra cost (Subject to status. 18s and over. 0% APR representative). There’s also no minimum premium amount for you to qualify for Direct Debit.

No need to be a member of any guild or association

Just starting out as a beauty therapist or beautician and want to get insured? You don't need to be registered with any associations or guilds to take out our Beauty Insurance. All we ask is that you’re appropriately qualified for the treatments you're carrying out.

Frequently asked questions

Public liability insurance provides cover for costly compensation claims, but it’s not a legal requirement for beauty therapists or beauticians. However, if you have any employees by law you must have Employers’ liability insurance. There are a few limited exceptions to this law – see here for more information.

This depends on a number of factors, such as the type or treatments you offer and the number of workers for example. This will vary depending on people’s requirements. Get a tailored quote online or speak to one of our business insurance specialists on the phone.

Public liability covers you against claims from customers or members of the public if you’ve damaged their property or they’ve injured themselves at your premises. For example, if a customer tripped over a power cord in your salon or home and hit their head. It doesn’t cover you for injury caused by treatments though.

Product liability provides cover for legal claims brought against your business for any harm caused by products that you sell or provide to clients. This cover is included with public liability insurance as standard on all of our Hair and Beauty policies.

Treatments liability will cover you if a customer sues you due to a treatment you’ve carried out causing them harm. If you take out the cover, you’ll be insured as long as you’re insured with us for that particular treatment and you’re qualified to carry it out.

For us to cover you for performing a treatment you must hold the relevant qualification certificate for that treatment. If you’re qualified, we’d also expect you to adhere to the product manufacturers’ and industry best practice standards.

If you’re receiving training in how to perform a treatment, you must be under the direct and continuous supervision of someone who holds the relevant treatment qualification.

If in doubt call 0345 303 1762 to speak with one of our insurance specialists.